UAE instant payments platform Aani tops 12.5 million users amid digital shift
Aani has gained traction among businesses, with about 774,000 merchants across the UAE adopting the platform as a primary payment solution.
13 April, 2026
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The UAE’s national instant payments platform Aani has surpassed 12.5 million users, Al Etihad Payments, a subsidiary of the Central Bank of the UAE (CBUAE), said.
The platform is connected to 74 licensed financial institutions and is now integrated with 85 per cent of banks, 10 per cent of exchange houses and 5 per cent of digital wallets and finance companies, reflecting broad adoption across the financial ecosystem.
Usage has surged, with the number of transfers rising sixfold year-on-year and average monthly growth of 10 per cent throughout 2025, the company said. Around 25,000 transfers are carried out daily using mobile numbers alone.
Aani used by 774,000 merchants across the UAE
Aani has also gained traction among businesses, with about 774,000 merchants across the UAE adopting the platform as a primary payment solution. Transactions are completed in an average of three seconds, enabling faster settlement and improved cash flow for companies.
The platform offers services including QR code payments, request-to-pay, transfers using mobile numbers or Emirates ID, and the ability to manage multiple accounts through a single application.
Additional features, including cross-border payments, electronic direct debit, e-cheques and business-to-business payments, are expected to be introduced.
“The rapid growth in Aani’s usage rates reflects customers’ growing confidence in the security and efficiency of our national payment ecosystem, and further reinforces its position as one of the UAE’s leading national payment solutions,” said Saif Humaid Al Dhaheri, assistant governor for Banking Operations and Support Services at the CBUAE and chairman of Al Etihad Payments.
He added, “We remain committed to strengthening the Central Bank’s contribution to shaping the future of the UAE’s digital economy by enabling individuals and businesses to access seamless and instant payment services that enhance the sustainability and efficiency of the UAE’s financial sector.”





















